Restricted Countries
XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.
Source Brokers
XTB is a multi-asset broker offering real stocks and ETFs plus leveraged CFD products through its xStation web/mobile platform. Official pages are highly regional: the international site is under XTB International Limited (Belize/FSC) while UK, EU/Cyprus, MENA, France/Canada and other branches have separate rules, protections and product availability.
CFD BrokerForex BrokerStock BrokerEtf BrokerForexStock CFDEtf CFDIndex CFDCommodity CFD
89
/100
Overall score
Overall score looks strong, with high-confidence evidence. Still verify country/entity terms.
Based on evidence39 sources
Trust
90Cost
94Withdrawal
86Read first
Decision summary
89
/100
Overall
Overall looks strong, with high-confidence evidence. Still verify country/entity terms.
Headline score from research fields, regulation evidence, and scoring payload.
Best for
Forex/CFD traders comparing cost, platforms, trust, and withdrawal terms.
Watch out
Entity, country restrictions, and high-risk fee fields should be checked carefully.
Trust signal
Trust looks strong, with high-confidence evidence. Still verify country/entity terms.
Withdrawal signal
Withdrawal looks strong, with high-confidence evidence. Still verify country/entity terms.
Availability
Countries and restrictions
Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.
Evidence
Source-backed details
Trust5 fields
Regulators
FSC Belize, KNF Poland, FCA UK, CNMV Spain and CySEC Cyprus are disclosed across official XTB pages.
SourceLicense Numbers
Key disclosed numbers: FSC Registration No. 6442514 / FSC License No. 000302/438; FCA FRN 522157; CySEC CIF 169/12; UK company number 07227848.
SourceRegulated Entities
XTB Group entities include XTB International Limited (Belize/FSC), XTB S.A. (Poland/KNF), XTB Limited (UK/FCA), XTB Sucursal (Spain/CNMV), and XTB Limited (Cyprus/CySEC).
SourceNegative Balance Protection
Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent.
SourceInvestor Compensation
UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found.
SourceCost7 fields
Minimum Deposit
No minimum deposit on the international page; UK page lists 0 GBP / no minimum deposit.
SourceSpread From
Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent.
SourceCommission
Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table.
SourceMaximum Leverage
Leverage is region/product dependent: international pages state a maximum of 1:500 for individual clients; UK account page states 1:30; real stocks and ETFs are not leveraged.
SourceDeposit Fee
XTB advertises deposits as free, but international online payment fees include Skrill 2% and Neteller 1%; bank/payment-provider fees may apply.
SourceWithdrawal Fee
International withdrawals above 50 USD are free and below 50 USD cost 30 USD; UK withdrawals are free; detailed fee table lists additional method-specific fees.
SourceInactivity Fee
Account maintenance is free for active clients; otherwise a monthly fee of 10 EUR may be charged when stated inactivity conditions are met.
SourceAvailability1 fields
Restricted Countries
XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.
SourceProduct5 fields
Tradable Assets
Official pages list real stocks and ETFs, Investment Plans, and CFDs on forex, indices, commodities, stocks/ETFs and cryptocurrencies.
SourceTrading Platforms
XTB promotes an award-winning mobile application and web platform; account pages list Mobile, Desktop, Tablet availability and web app links go to xStation5.
SourceAccount Types
XTB markets one simple account, offers swap-free accounts for certain eligible countries/entities, and offers a free training/demo account.
SourceDeposit Methods
Deposits are available by card, bank transfer, and online payments including Skrill and Neteller on the international page; UK page lists cards and bank transfer.
SourceWithdrawal Methods
Main withdrawal route on pages is a bank account in the client's name; the international fee table also lists withdrawal fees for credit cards and Skrill/Neteller/PayRetailers, implying availability in some contexts.
SourceBefore you decide
Things to verify
Restricted Countries
XTB only accepts clients where it operates and with appropriate permits; XTB International accepted-country list is limited from March 2026; Brazil page is not created for Brazilian residents.
Spread From
Minimum spread is 0.5 on the international page and 0.3 on the UK page, so it is region/entity dependent.
Commission
Stocks/ETFs are commission-free up to EUR 100,000 monthly turnover, then 0.2% min EUR 10; CFD trading commission is advertised as 0%, with product-specific fees/markups in the fee table.
Negative Balance Protection
Negative balance protection is available for UK retail clients under XTB Limited, but international pages warn that losses can exceed deposits; treat as regional/entity dependent.
Investor Compensation
UK retail clients may be entitled to FSCS compensation up to GBP 85,000; Cyprus legal page lists an Investor Compensation Fund document; international Belize compensation not found.
Withdrawal Processing Time
Withdrawal processing is same/next business day on official pages, with UK payment allocation up to 3 business days.
VS next
VS XTB with similar brokers
These brokers share similar type or asset-class signals. Open the VS page to compare regulation, cost, platforms, withdrawals, and caveats side by side.
Charles Schwab
Overall 91 · Trust 100
Multi Asset BrokerEtfStock
VS with XTB 
DEGIRO
Overall 91 · Trust 100
Stock BrokerStockBond
VS with XTB 
Fidelity
Overall 91 · Trust 100
Multi Asset BrokerStockBond
VS with XTB Important disclosure
Broker research, not investment advice
Availability, fees, investor protection, and regulation can vary by country and legal entity. Verify the broker and regulator details directly before opening an account.